Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$93,679Cash toward the purchase price.
Closing costs + prepaids$14,274Not just lender fees.
Before credits & paid funds$107,953The complete starting cash picture.
Estimated remaining funds due at closing
$107,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,678.72
Your down payment$93,678.72
Closing costs + prepaids$14,274.49
Total buyer cash needed$107,953.21
Remaining funds due$107,953.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,289.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,176.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (22 days)$1,340.64
Fees + prepaids$14,274.49
Your down payment is the seller’s equity. You take over the $435,271 balance, so the rest of the $528,950 price is paid at closing. A second mortgage can cover part of it. $107,953.21 is due at closing. Uses and sources reconcile at $543,224.49 each. Not a Closing Disclosure.